I think it's a matter of how well you know to configure a system and use the proper "etiquette" for managing your computer, be it a Mac or PC running whatever. And yes, the only times I've had crashes on Windows (XP and 2000) have been because of drivers. For the most part, my systems (Mac/Win/Linux) have been pretty stable and run for a good while.
But it's this "etiquette" that not everyone has when it comes to computer maintenance, as we see moreso in the Windows world with users' lack of updating their systems. Sure, most of that is automated, but it's only helpful if you have an "always on" connection. Dial-up users either have to have their computers dial overnight or they have to update manually when they are connected, while hoping they don't get disconnected.
I see the fault lying on both parties. One for users not being proactive about learning or keeping their computer in top form, and another for the corps not making all of this easy for the end user. If people didn't take preventative maintenance on their cars and the companies didn't make these cars safe to begin with, imagine what hell it would be to cross the street!
I hope this is making sense, especially since I'm typing this with one eye open at 12:11 AM...
